MISSOURI PERSONAL AUTO POLICY

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1 MISSOURI PERSONAL AUTO POLICY Automobile Club Inter-Insurance Exchange North Forty Drive St. Louis, Missouri (314) A Reciprocal Insurance Exchange

2 READ YOUR POLICY CAREFULLY This policy is the legal contract between you and us. It is written in easy to read and understand language.

3 MISSOURI TABLE OF CONTENTS TO OUR POLICYHOLDER 1 AGREEMENT 1 DEFINITIONS 1 PART I LIABILITY COVERAGE A BODILY INJURY COVERAGE B PROPERTY DAMAGE Insuring Agreement 6 Supplementary Payments 7 Persons Insured 8 What is Not Covered Exclusions 9 Limits of Liability 13 Out of State Coverage 14 Financial Responsibility 15 Other Insurance 15 PART II EXPENSES FOR MEDICAL SERVICES COVERAGE C MEDICAL PAYMENTS COVERAGE D EXCESS MEDICAL PAYMENTS COVERAGE P ACCIDENTAL DEATH, DISMEMBERMENT Insuring Agreement Coverage C 15 Persons Insured Coverage C 16 What is Not Covered Exclusions Coverage C 16 Limits of Liability Coverage C 19 Other Insurance Coverage C 19 Payment of Claims Coverage C 19 Insuring Agreement Coverage D 20 Persons Insured Coverage D 20 What is Not Covered Exclusions Coverage D 21 Limits of Liability Coverage D 23 Other Insurance Coverage D 24 Payment of Claims Coverage D 24 Insuring Agreement Coverage P 25 Persons Insured Coverage P 25 Additional Definition Coverage P 25

4 What is Not Covered Exclusions Coverage P 25 Limits of Liability Coverage P 26 Payment of Benefits Coverage P 27 PART III UNINSURED MOTORISTS COVERAGE COVERAGE E UNINSURED MOTORISTS COVERAGE BODILY INJURY Insuring Agreement 28 Persons Insured 28 Additional Definitions 28 What is Not Covered Exclusions 30 Limits of Liability 31 Other Insurance 32 PART IV UNDERINSURED MOTORISTS COVERAGE COVERAGE F UNDERINSURED MOTORISTS COVERAGE BODILY INJURY Insuring Agreement 33 Persons Insured 33 Additional Definitions 33 What is Not Covered Exclusions 34 Limits of Liability 35 Other Insurance 37 PART V PHYSICAL DAMAGE COVERAGE G COMPREHENSIVE COVERAGE H COLLISION COVERAGE J RENTAL REIMBURSEMENT Insuring Agreement Coverages G and H 38 Additional Payments Coverages G and H 38 Insuring Agreement Coverage J 39 What is Not Covered Exclusions 39 Limits of Liability Coverages G and H 43 Limits of Liability Coverage J 44 No Benefit to Bailee 44 Other Insurance 45 Appraisal Coverages G and H 45 Payment of Loss Coverage G and H 46

5 PART VI YOUR DUTIES AFTER AN ACCIDENT OR LOSS General Duties 46 Additional Duties 47 PART VII GENERAL PROVISIONS AAA Membership Requirement 49 Authorization to Examine Driving Record 49 Bankruptcy 49 Changes and Liberalization 49 Misrepresentation or Fraud 49 No Double Recovery 50 Our Right to Recover Payment 50 Policy Period and Territory 50 Statements in the Application for Insurance 51 Subrogation 51 Suit Against Us 51 Termination 52 Terms of Policy Conformed to Statute 54 Transfer or Assignment 54 Two or More Auto Policies 55 Your Premium 55

6 TO OUR POLICYHOLDER This Automobile Club Inter-Insurance Exchange policy along with the Declarations, the Application for Insurance and other endorsements, if any, is your complete and valid auto insurance contract. This is a non-assessable policy issued only to and renewed for qualified members of the American Automobile Association (AAA) and its divisions or affiliates. If you have an accident or loss, no matter how slight, always report it to the nearest Auto Club representative as soon as possible. For additional information, see Part VI Your Duties After an Accident or Loss in this policy. Automobile Club Inter-Insurance Exchange AGREEMENT We will provide the insurance you have selected in return for the premium due us and your compliance with all policy provisions. Your declarations page shows the policy period, your insured autos, the coverages and limits you have chosen and your premium. Insurance under this policy is provided only for the coverages for which a premium is shown in the declarations page. The declarations page is part of this policy. DEFINITIONS Throughout this policy, certain words and phrases have a defined meaning when printed in bold italic type. We, us, or our refers to the Automobile Club Inter- Insurance Exchange. You or your refers to the named insured shown in the declarations page and the named insured s spouse, if domiciled in the same household. 1

7 Auto means a motor vehicle with four or more wheels: 1. whether operable or not; 2. designed and licensed for use mainly on public roads; and 3. with the primary purpose of transporting persons or property. Auto accident - means an accident arising out of the ownership or use of an auto or trailer. Auto business means to be employed or otherwise engaged in the business of selling, repairing, servicing, delivering, testing, road testing, parking or storing motor vehicles or trailers. Bodily injury means bodily harm, sickness or disease, including death that results. Business means commercial enterprise, trade, profession or occupation. Collision means: 1. contact between an auto and another object; or 2. upset of an auto. Compensation law means any law under which benefits are paid to a person as compensation for the effects of bodily injury, without regard to fault, because of that person s status as an employee or beneficiary. It includes, but is not limited to, workers compensation laws, disability laws, the Federal Employers Liability Act and the Jones Act. Comprehensive means direct and accidental loss to your insured auto or a non-owned auto, except loss caused by collision. Loss caused by, but not limited to, the following are considered comprehensive not collision: 2

8 1. missiles or falling objects; 2. fire; 3. theft or larceny; 4. explosion or earthquake; 5. windstorm; 6. hail, water or flood; 7. malicious mischief or vandalism; 8. riot or civil commotion; 9. contact with bird or animal; or 10. breakage of glass. If breakage of glass is caused by a collision, you may elect to have it considered a loss caused by collision. Electronic equipment means any equipment that is permanently installed to your insured auto which is designed to reproduce, transmit, or receive audio, video, or data signals. Electronic equipment includes, but is not limited to, radios; tape and CD players; speakers; global positioning systems (GPS); television and video monitors; DVD and video players or recorders; telephones and fax machines; CB and two-way mobile radios; and any parts or components of any of these. Household member means a person who is domiciled in your household. Non-owned auto means a private passenger auto or trailer not: 1. owned by; 2. registered or leased in the name of; or 3. furnished or available for regular use to; 3

9 you or a household member or any other person domiciled in your household while in the care, custody, control or charge of you or a household member or any other person domiciled in your household. A temporary substitute auto is not considered a non-owned auto. Occupying, occupied or occupancy means being in or upon, getting in, on, out, upon or off. Permanently installed means installed in such a way as to require the use of hand tools to remove. Person means a living human being. Private passenger auto means: 1. an auto with 4 wheels of the private passenger type, 2. a motor home with 4 or more wheels, or 3. a pickup or van type auto with a rated load capacity of 2,000 pounds or less. Property damage means injury to or destruction of tangible property, and includes any resulting loss of use. Punitive damages means amounts of money awarded or imposed to punish or to make an example of a wrongdoer and includes, but is not limited to, exemplary damages and aggravated damages. Temporary substitute auto means an auto or trailer not owned by you, if it replaces your insured auto for a short time, not to exceed 90 days. Its use has to be with the permission of the owner. Your insured auto has to be out of use due to its breakdown, repair, servicing, damage or loss. A temporary substitute auto is not considered a nonowned auto. 4

10 Trailer means a vehicle designed to be pulled by a private passenger auto. Use, used or using means operating, maintaining, loading or unloading. Your insured auto means: 1. Any auto shown in the declarations page, while owned by you. 2. Any private passenger auto which you newly acquire during the policy period and which is owned solely by you. Coverage applies only if at the time you take possession of the newly acquired private passenger auto: a. it has replaced any auto shown in the declarations page and title and possession of the replaced auto have been transferred; or b. it is in addition to any auto shown in the declarations page and we insure all private passenger autos you then own. A replacement auto as defined in a. above has the same coverage as the auto it replaced. An additional auto as defined in b. above has the same coverage as the auto with the most broad coverage that is shown in the declarations page. However, you must ask us for coverage within 30 days after you take possession of a newly acquired auto insured under this provision if you wish: a. To add or continue physical damage coverage on a replacement auto. b. To insure an additional auto. A premium will be charged from the date you took possession of the additional auto. If you fail to notify us, no coverage will be provided after 30 days from the time you take possession. 5

11 3. Any trailer you own. (Physical Damage Coverage does not apply until you have notified us and a premium is paid for the coverage.) 4. Any temporary substitute auto. 5. Any auto you do not own while being driven temporarily as a demonstrator auto provided by a duly licensed automobile dealer. PART I - LIABILITY COVERAGE A BODILY INJURY COVERAGE B PROPERTY DAMAGE INSURING AGREEMENT PART I 1. Subject to the Exclusions, we will pay damages for which any insured is legally liable because of bodily injury or property damage caused by an auto accident. Damages do not include criminal fines, restitution orders or punitive damages. 2. We will defend any suit claiming damages covered under PART I. We will defend any suit even if the allegations are groundless, false or fraudulent. Defense lawyers will be provided by us. If any insured retains a lawyer for any claim, whether or not covered under PART I, we will not be liable for the fees and costs charged by that lawyer and we may pay outside counsel a flat fee to represent you. 3. We may settle any claim or suit as we find appropriate. 6

12 SUPPLEMENTARY PAYMENTS PART I In addition to the limits of liability for PART I, we will pay: 1. All settlement and defense costs we incur on your behalf. 2. Any interest on damages covered under PART I on that part of a judgment that is within our limit of liability, except: a. if we offer to pay our limit of liability before judgment, we will not pay interest thereafter; or b. if a judgment is rendered, we will not pay interest after our limit of liability has been paid or deposited in court. 3. Any reasonable expenses that an insured actually incurs at our request. 4. Loss of net earnings, but not other income, because of attendance at hearings, trials or depositions at our request. 5. Expenses an insured incurs for first aid to others at the time of an auto accident involving an auto insured under PART I. 6. Premiums on: a. Appeal bonds or attachment bonds required in any suit we defend. We will not pay for: (1) a bond in excess of the limits of liability; or (2) an appeal bond for that portion of a judgment that is not covered under PART I. b. Bail bonds required: (1) because of an auto accident arising out of the use of an auto insured under PART I; or (2) for any traffic citation received in connection with such auto accident. The bail bond shall not exceed $250. 7

13 We will pay for, but not apply for or furnish, any such bail bonds. 7. NAMED INSURED S SPECIAL BENEFIT - This coverage applies only to you, the named insured. If Liability Coverage is afforded by this policy, we will pay the principal sum of $5,000, if you, while occupying your insured auto, are killed instantly or are injured and die within thirty days from the date of such injury, as a direct result of collision or upset of such auto, provided that such death is caused solely through external, violent and accidental means. The special benefit of $5,000 will be increased to $15,000 if, at the time of the accident, you were using the auto's complete restraint system. If the deceased insured is survived by a spouse who was domiciled in the same household at the time of the auto accident, we will pay the death benefit to such spouse. If the deceased insured was an unmarried minor, we will pay the death benefit to either parent, who was domiciled in the same household at the time of the accident. Otherwise, we will pay the death benefit to the deceased insured's estate. We have the right to request an autopsy where it is not forbidden by law. PERSONS INSURED PART I Under PART I, insured means: 1. You and a household member: a. in the use of your insured auto; and b. in the use of any other auto or trailer. 2. Any person other than those identified in paragraph 1 using your insured auto with your permission provided the use is within the scope of such permission. The limits of liability for this person shall be equal to minimum 8

14 limits of liability required by Section of the Revised Statutes of Missouri, which are $25,000 per person, $50,000 per occurrence and $10,000 for property damage. WHAT IS NOT COVERED EXCLUSIONS - PART I We do not cover liability of any person for: 1. The ownership, maintenance or use of: a. Any auto, other than your insured auto which is: (1) owned by you; or (2) furnished or available for your regular use. b. Any auto, other than your insured auto, which is: (1) owned by any household member; or (2) furnished or available for the regular use of any household member. However, this exclusion does not apply to your maintenance or use of any auto which is: (1) owned by a household member; or (2) furnished or available for the regular use of a household member. 2. Bodily injury or property damage arising from the use of any auto or trailer while carrying or delivering persons, property or food for a fee or compensation (including wages, salary, tip or separate payment). This exclusion does not apply: a. to any shared expense car pools or charitable delivery; or b. to you while a passenger in an auto other than your insured auto. 3. Any obligation assumed under a contract or agreement. 4. Bodily injury or property damage which is either expected or intended by an insured or which is the result of an insured s intentional or criminal acts. You are deemed to intend the 9

15 natural and probable consequences of your actions. 5. Bodily injury to any employee of a person insured if the bodily injury arises out of and in the course of employment. 6. Bodily injury or property damage arising from the use of any auto in the auto business. This exclusion does not apply to the use of your insured auto by: a. you; b. a household member; or c. any employee or agent of you or a household member. This exclusion applies only to the extent that damages exceed the minimum limits of liability required under The Motor Vehicle Financial Responsibility Law. 7. Bodily injury or property damage arising from the use of any auto in any other business of an insured. This exclusion does not apply to: a. your insured auto; or b. any other auto insured under PART I that is a private passenger auto or trailer used therewith, operated or occupied by you or your domestic employee. 8. Property damage to real or personal property owned or transported by, or in the care, custody, control or charge of or rented to any insured. This exclusion does not apply to: a. a rented dwelling house, rented private garage or rented carport damaged by an auto insured under PART I, or b. any auto operated by an insured if the auto is loaned to the insured for demonstration purposes or loaned as a replacement auto while your insured auto is out of use because of breakdown, repair, or servicing, and if the other auto is loaned by a person, firm, or corporation engaged 10

16 in the business of selling, repairing, or servicing autos. 9. Any obligation of the owner or lessor of an auto you or a household member does not own. 10. Bodily injury or property damage to any covered auto while it is: a. being prepared for, used in practice for, or operated in any racing contest, speed contest, hill-climbing contest, jumping contest or other similar contest; or b. on a track primarily designed for racing or high-speed driving. This does not apply if the vehicle is being used in connection with an activity other than racing, highspeed driving, or any type of competitive driving. 11. Bodily injury or property damage arising from the use of any auto, not owned by you or a household member, without the permission of the owner. 12. Bodily injury or property damage if insurance is or can be afforded under any nuclear energy policy. 13. Bodily injury arising from the loading or unloading of any auto insured under PART I. This exclusion does not apply to: a. you; b. a household member; c. a bailee; d. any employee of a., b., or c. above. 14. Any obligation for which any insured may be held liable under any workers' compensation law. 15. Bodily injury or property damage arising from the use of any trailer with any auto not covered under PART I. 16. Punitive damages. 11

17 17. Bodily injury to you or any household member. However, such person is entitled to the minimum limits of bodily injury liability of the financial responsibility law of the state in which the auto accident occurred. 18. Bodily injury or property damage arising from the use of any motorized vehicle with less than four wheels. 19. Bodily injury or property damage arising from the use of any all terrain vehicles or golf carts. 20. Any damages for which any government entity might be liable for that person's use of the auto. 21. Bodily injury or property damage caused by the dumping, discharge or escape of irritants, pollutants or contaminants; however, this exclusion does not apply if the discharge is sudden and accidental. 22. Bodily injury or property damage while committing a felony or while seeking to elude lawful apprehension or arrest for a felony by a law enforcement official. 23. Bodily injury or property damage sustained by any person while not in lawful possession of an auto or voluntarily occupying an auto knowing it is stolen. 24. Bodily injury to any fellow employee of the insured arising out of and in the course of such employee's employment. Any exclusion which is invalid or unenforceable under The Motor Vehicle Financial Responsibility Law shall apply to that portion of the damages which exceeds the minimum limits of liability required by such Law. 12

18 LIMITS OF LIABILITY PART I 1. The limit of liability shown in the declarations page for each person for bodily injury liability is our maximum limit of liability for all damages arising out of and due to bodily injury to any one person, in any one auto accident. The limit of liability shown for each person for bodily injury also includes all claims which are derivative of the bodily injury to that person, including but not limited to damages for care, loss of consortium, loss of services and negligent entrustment, and including imputed negligence, agency, conspiracy, the family purpose doctrine, joint enterprise or venture, employment relationship, partnership, concert of action, or negligent hiring or supervision or retention. This is the most we will pay regardless of the number of: a. covered persons; b. claims made; c. autos or premiums shown in the declarations page; d. policies issued to you or household members by us; or e. autos involved in the auto accident. The limit of liability shown in the declarations page for each auto accident for bodily injury liability is our maximum limit of liability for all damages arising out of and due to bodily injury to any number of persons, resulting from any one auto accident. The limit of liability shown for each auto accident for bodily injury also includes all claims which are derivative of the bodily injury to any person, including but not limited to damages for care, loss of consortium, loss of services and negligent entrustment, and including imputed negligence, agency, conspiracy, the family purpose doctrine, joint enterprise or venture, employment relationship, partnership, concert of action, or negligent hiring or supervision or retention. This is the most we will pay regardless of the number of: 13

19 a. covered persons; b. claims made; c. autos or premiums shown in the declarations page; d. policies issued to you or household members by us; or e. autos involved in the auto accident. 2. The limit of liability shown in the declarations page for each accident for property damage liability is our maximum limit of liability for all damages to all property resulting from any one auto accident. This is the most we will pay regardless of the number of: a. covered persons; b. claims made; c. autos or premiums shown in the declarations page; d. policies issued to you or household members by us; or e. autos involved in the auto accident. 3. Regardless of the limits of liability shown in the declarations page, the most we will pay for the bodily injury and property damage liability for each covered person, other than you or any household member, will be equal to the minimum limits of liability of the financial responsibility law of the state in which the accident occurs. 4. No one will be entitled to duplicate payments for the same elements of damages. 5. An auto and attached trailer are considered one auto. Therefore, the limits of liability will not be increased for an auto accident involving an auto which has an attached trailer. OUT OF STATE COVERAGE PART I If an auto accident involving your insured auto occurs outside the state in which your insured auto is principally garaged but within the territory where this policy applies, and: 14

20 1. the liability limits required by the financial responsibility or similar law of the jurisdiction in which the auto accident occurred are higher than the liability limits of this policy; or 2. a compulsory insurance or similar law requires a nonresident to maintain insurance whenever using an auto in that jurisdiction; then this policy will provide at least the required coverages and limits. FINANCIAL RESPONSIBILITY PART I When this policy is certified as future proof of financial responsibility, it will comply with the law to the extent required. OTHER INSURANCE PART I If there is other applicable liability insurance, we will pay only our share of the loss. Our share is the proportion that our limit of liability bears to the total of all applicable limits. Your liability coverage under this policy when you have an auto accident driving an auto you do not own shall be only the highest single limit for any one auto covered under this policy, pro-rated with any other liability coverage on the non-owned auto. PART II EXPENSES FOR MEDICAL SERVICES COVERAGE C MEDICAL PAYMENTS COVERAGE D EXCESS MEDICAL PAYMENTS COVERAGE P ACCIDENTAL DEATH, DISMEMBERMENT INSURING AGREEMENT COVERAGE C Subject to the Exclusions, we will pay reasonable expenses actually incurred for necessary medical and funeral services because of bodily injury: 15

21 1. caused by an auto accident; and 2. sustained by an insured. We will pay only for expenses actually incurred within 1 year from the accident date. PERSONS INSURED COVERAGE C Under COVERAGE C, insured means: 1. You or a household member while: a. occupying any auto or trailer; or b. not occupying an auto or trailer, when struck by an auto or trailer. 2. Any other person occupying: a. your insured auto, while used by you, a household member, or with your permission; or b. any other auto or trailer when the accident results from that auto s operation or occupancy by you or a household member. WHAT IS NOT COVERED EXCLUSIONS COVERAGE C Under COVERAGE C, this policy does not apply to medical or funeral expenses because of bodily injury: 1. Sustained while occupying, or when struck by, any auto or trailer, other than your insured auto, owned by, or furnished or available for regular use by, you. 2. Sustained while occupying, or when struck by, any auto or trailer, other than your insured auto, owned by, or furnished or available for regular use by, a household member. This exclusion does not apply to you. 3. Sustained while occupying any auto or trailer, other than your insured auto, while used by a household member who owns an 16

22 auto that is not covered as your insured auto. This exclusion does not apply to you. 4. Sustained while occupying any motorized vehicle with less than 4 wheels. 5. Sustained while occupying any auto or trailer while carrying or delivering persons, property or food for a fee or compensation (including wages, salary, tip or separate payment). This exclusion does not apply to: a. shared expense car pools or charitable delivery; or b. you or a household member while a passenger in any auto or trailer, other than your insured auto. 6. Sustained while occupying any auto or trailer, other than your insured auto, while used in the auto business. This exclusion does not apply to you or a household member. 7. Sustained while occupying any auto or trailer, other than your insured auto, while used in any other business. This exclusion does not apply to: a. you; b. any household member; or c. any other person while occupying a private passenger auto being used by you. 8. If workers' compensation benefits are paid, payable, or required to be provided for all or part of the bodily injury. 9. Sustained while occupying any auto: a. being prepared for, used in practice for, or operated in any racing contest, speed contest, hill-climbing contest, jumping contest or other similar contest; or b. on a track primarily designed for racing or high-speed driving. This does not apply if the vehicle is being used in connection with an activity other than racing, high- 17

23 speed driving, or any type of competitive driving. 10. For any damages for which any government entity might be liable for that person s use of the auto. 11. Due to war, civil war, insurrection, rebellion, revolution, nuclear reaction, radioactive contamination or any consequence of any of these. 12. Sustained by the owner of any auto not owned by: a. you; or b. a household member. 13. Sustained while occupying: a. any auto used as a residence or premises; or b. any trailer while used for business purposes. 14. Sustained while occupying any auto without the permission of the owner. 15. Sustained by any person while not in lawful possession of, or voluntarily occupying, an auto knowing it is stolen. 16. Caused by that person driving your insured auto who intentionally causes a collision, causes property damage, or intentionally attempts to cause injury to himself, herself or others; which is either expected or intended by an insured or which is the result of an insured s intentional or criminal acts. You are deemed to intend the natural and probable consequences of your actions. 17. While committing a felony or while seeking to elude lawful apprehension or arrest for a felony by a law enforcement official. 18

24 LIMITS OF LIABILITY COVERAGE C 1. The limit shown in the declarations page is the most we will pay for bodily injury to each person injured in any one auto accident. 2. The limits of liability for two or more autos on this policy shall not be added together, combined, or stacked to determine the limit of coverage available to injured persons, regardless of the number of: a. autos involved in the occurrence, whether insured or not; b. insureds; c. claims made; d. premiums paid; e. policies issued to you or household members by us; or f. autos or premiums shown in the declarations page. If the amount shown in the declarations page for this coverage is $5,000 or more, the most we will pay for funeral services is $5,000 per person. No person shall collect twice for the same medical or funeral service. OTHER INSURANCE COVERAGE C If there is other applicable auto medical payments insurance, we will pay only our share of the loss. Our share is the proportion that our limit of liability bears to the total of all applicable limits. However, any insurance we provide with respect to a vehicle you do not own shall be excess over any other auto insurance providing payments for medical or funeral expenses. PAYMENT OF CLAIMS COVERAGE C We may pay: 1. you; 19

25 2. any other person making claim; or 3. any provider of services to whom benefits have been assigned. Payment by us shall reduce the amount we owe. Payment by us is not an admission that the medical expenses were reasonable, necessary, or otherwise covered under COVERAGE C. INSURING AGREEMENT COVERAGE D Subject to the Exclusions, we will pay reasonable expenses actually incurred for necessary medical and funeral services because of bodily injury: 1. caused by an auto accident; and 2. sustained by an insured. However, we will pay only those expenses that are not covered under any medical or health insurance. We will pay only for expenses actually incurred within 1 year from the accident date. PERSONS INSURED COVERAGE D Under COVERAGE D, insured means: 1. You or a household member while: a. occupying any auto or trailer; or b. not occupying an auto or trailer, when struck by an auto or trailer. 2. Any other person occupying: a. your insured auto, while used by you, a household member, or with your permission; or b. any other auto or trailer when the accident results from that auto s operation or occupancy by you or a household member. 20

26 WHAT IS NOT COVERED EXCLUSIONS COVERAGE D Under COVERAGE D, this policy does not apply to medical or funeral expenses because of bodily injury: 1. Sustained while occupying, or when struck by, any auto or trailer, other than your insured auto, owned by, or furnished or available for regular use by, you. 2. Sustained while occupying, or when struck by, any auto or trailer, other than your insured auto, owned by, or furnished or available for regular use by, a household member. This exclusion does not apply to you. 3. Sustained while occupying any auto or trailer, other than your insured auto, while used by a household member who owns an auto that is not covered as your insured auto. This exclusion does not apply to you. 4. Sustained while occupying any motorized vehicle with less than 4 wheels. 5. Sustained while occupying any auto or trailer while carrying or delivering persons, property or food for a fee or compensation (including wages, salary, tip or separate payment). This exclusion does not apply to: a. shared expense car pools or charitable delivery; or b. you or a household member while a passenger in any auto or trailer, other than your insured auto. 6. Sustained while occupying any auto or trailer, other than your insured auto, while used in the auto business. This exclusion does not apply to you or a household member. 21

27 7. Sustained while occupying any auto or trailer, other than your insured auto, while used in any other business. This exclusion does not apply to: a. you; b. any household member; or c. any other person while occupying a private passenger auto being used by you. 8. If workers' compensation benefits are paid, payable, or required to be provided for all or part of the bodily injury. 9. Sustained while occupying any auto: a. being prepared for, used in practice for, or operated in any racing contest, speed contest, hill-climbing contest, jumping contest or other similar contest; or b. on a track primarily designed for racing or high-speed driving. This does not apply if the vehicle is being used in connection with an activity other than racing, highspeed driving, or any type of competitive driving. 10. For any damages for which any government entity might be liable for that person s use of the auto. 11. Due to war, civil war, insurrection, rebellion, revolution, nuclear reaction, radioactive contamination or any consequence of any of these. 12. Sustained by the owner of any auto not owned by: a. you; or b. a household member. 13. Sustained while occupying: a. any auto used as a residence or premises; or b. any trailer while used for business purposes. 22

28 14. Sustained while occupying any auto without the permission of the owner. 15. Sustained by any person while not in lawful possession of, or voluntarily occupying, an auto knowing it is stolen. 16. Caused by that person driving your insured auto who intentionally causes a collision, causes property damage, or intentionally attempts to cause injury to himself, herself or others; which is either expected or intended by an insured or which is the result of an insured s intentional or criminal acts. You are deemed to intend the natural and probable consequences of your actions. 17. While committing a felony or while seeking to elude lawful apprehension or arrest for a felony by a law enforcement official. LIMITS OF LIABILITY COVERAGE D 1. The limit shown in the declarations page is the most we will pay for bodily injury to each person injured in any one auto accident. 2. The limits of liability for two or more autos on this policy shall not be added together, combined, or stacked to determine the limit of coverage available to injured persons, regardless of the number of: a. autos involved in the occurrence, whether insured or not; b. insureds; c. claims made; d. premiums paid; e. policies issued to you or household members by us; or f. autos or premiums shown in the declarations page. If the amount shown in the declarations page for this coverage is $5,000 or more, the most we will pay for funeral services is $5,000 per person. 23

29 No person shall collect twice for the same medical or funeral service. OTHER INSURANCE COVERAGE D 1. We will not be liable under this policy for any medical expense paid or payable, other than Medicare, under the provision of any: a. Health Maintenance Organization or Preferred Provider Organization; b. individual, blanket or group accident, disability or hospitalization plans; c. medical, surgical, hospital or funeral services, benefit or reimbursement plans; d. workers' compensation or disability benefits law or any similar laws; e. homeowners or premises insurance providing coverage for medical expenses; or f. any health insurance policy. 2. If there is any other applicable auto medical payments insurance (except excess medical payments insurance or Medicare), we will pay only that which is in excess of the amount eligible for payment by any other insurance. If there is other applicable excess medical payments insurance, we will pay only our share of the loss. Our share is the proportion that our limit of liability bears to the total of all applicable limits. However, any insurance we provide with respect to an auto you do not own shall be excess over any other auto insurance providing payments for medical or funeral expenses. PAYMENT OF CLAIMS COVERAGE D We may pay: 1. you; 2. any other person making claim; or 3. any provider of services to whom benefits have been assigned. 24

30 Payment by us shall reduce the amount we owe. Payment by us is not an admission that the medical expenses were reasonable, necessary, or otherwise covered under COVERAGE D. INSURING AGREEMENT COVERAGE P Subject to the Exclusions, we will pay the amount shown in the Schedule of Benefits that applies for death or loss caused by an auto accident to an insured. The death or loss must be the direct result of the auto accident and not due to any other cause. The death or loss must occur within 90 days of the auto accident. The insured has to be occupying your insured auto or be struck by a land motor vehicle or trailer. PERSONS INSURED COVERAGE P Under COVERAGE P, insured means you or a household member. ADDITIONAL DEFINITION COVERAGE P Loss Under this coverage, means the loss of: 1. the foot or hand; 2. the whole thumb or finger; or 3. all sight. WHAT IS NOT COVERED EXCLUSIONS COVERAGE P COVERAGE P does not apply to: 1. An insured while on the job or operating, occupying, loading or unloading: a. an emergency vehicle; or b. an auto used in the insured s business or job. But, 1.b. does not apply if the auto is a private passenger auto while not used in business. 25

31 2. An insured while occupying any auto: a. being prepared for, used in practice for, or operated in any racing contest, speed contest, hill-climbing contest, jumping contest or other similar contest; or b. on a track primarily designed for racing or high-speed driving. This does not apply if the vehicle is being used in connection with an activity other than racing, highspeed driving, or any type of competitive driving. 3. The death of or loss to an insured due to: a. disease, except pus-forming infection due to bodily injury received in the auto accident; b. suicide or to any attempt thereat, or any intentionally inflicted injury; or c. war of any kind, be it declared or undeclared, or insurrection or rebellion. LIMITS OF LIABILI TY COVERAGE P The most we will pay because of the death of, or loss to, the insured is shown in the declarations page. If the insured dies as a result of the auto accident, any amount we pay for dismemberment or loss of sight shall apply to reduce any amount which is payable as a Death Benefit. Payment of the Death Benefit shall end all our obligation under this coverage. The application of this policy to more than one auto shall not increase our liability as described in this coverage. 26

32 Schedule of Benefits The amount shown in declarations page is: $5,000 $10,000 Death (You) $5,000 $10,000 Death (Household Member) $5,000 $5,000 Loss of: hands; feet; sight of eyes; one hand and one foot; or one hand or one foot and sight of one eye $5,000 $10,000 one hand or one foot; or sight of one eye $2,500 $5,000 thumb and finger on one hand; or three fingers $1,500 $3,000 any two fingers $1,000 $2,000 PAYMENT OF BENEFITS COVERAGE P We will pay any amount due: 1. to the insured; 2. to a parent or guardian, if the insured is a minor or an incompetent person; 3. to the surviving spouse; or 4. at our option, to any person or organization authorized by law to receive such payment. We are not responsible for the way the money is used. We have the right to have an autopsy made where it is not forbidden by law. 27

33 PART III UNINSURED MOTORISTS COVERAGE COVERAGE E UNINSURED MOTORISTS COVERAGE BODILY INJURY INSURING AGREEMENT PART III Subject to the Exclusions, we will pay damages which an insured is legally entitled to recover from the owner or operator of an uninsured motor vehicle to the extent that the owner or operator is liable because of bodily injury: 1. sustained by an insured; and 2. caused by an auto accident. The owner s or operator s liability for these damages must arise out of the ownership, maintenance or use of the uninsured motor vehicle. Any judgment for damages arising out of a suit brought without our written permission is not binding on us. PERSONS INSURED PART III Under PART III, insured means: 1. You or any household member. 2. Any other person occupying your insured auto. 3. Any person for damages that person is entitled to recover, because of bodily injury to which this coverage applies, sustained by a person described in 1. or 2. above. ADDITIONAL DEFINITIONS PART III Uninsured motor vehicle means a land motor vehicle or trailer of any type: 28

34 1. to which no bodily injury liability bond or policy applies at the time of the auto accident; 2. which is a hit and run vehicle whose operator or owner cannot be identified and which hits or which causes an auto accident resulting in bodily injury without hitting: a. you or any household member; b. a vehicle which you or any household member are occupying; or c. your insured auto. If there is no physical contact with the responsible vehicle, the facts of the auto accident must be proved. We may request supporting evidence other than the testimony of a person making a claim under this or any similar coverage to support the validity of such claim; or 3. to which a bodily injury liability bond or policy applies at the time of the auto accident but the bonding or insuring company is or becomes insolvent within 2 years of the date of accident. However, uninsured motor vehicle does not include any vehicle or equipment: 1. To which a bodily injury liability bond or policy applies at the time of the auto accident but its limit for bodily injury liability is less than the minimum limit for bodily injury liability specified by the financial responsibility law of the state in which your insured auto is principally garaged. 2. Owned by or furnished or available for the regular use of you or any household member. However, you or any household member are entitled to coverage in an amount up to the amount required under the minimum limits of liability of The Motor Vehicle Financial Responsibility Law. 3 Owned or operated by a self-insurer under any applicable motor vehicle law. 29

35 4. Operated on rails or crawler treads. 5. Designed mainly for use off public roads while not on public roads. 6. While located for use as a residence or premises. 7. Which is a farm tractor or farm equipment while not on public roads. 8. That is an all terrain vehicle or golf cart. WHAT IS NOT COVERED EXCLUSIONS PART III 1. We do not provide Uninsured Motorists Coverage for bodily injury sustained by any person: a. If that person or the legal representative accepts a settlement or secures a judgment for a bodily injury claim against any uninsured motorist, without our written permission. b. While occupying your insured auto when it is being used to carry or deliver persons, property or food for a fee or compensation (including wages, salary, tip or separate payment). This exclusion does not apply to a share-the-expense car pool or charitable delivery. c. Using a vehicle without the permission of the owner. 2. This coverage does not apply to damages sustained by any person if benefits are: a. payable to, or on behalf of, such person under any compensation law, as a result of the auto accident, or b. required by any compensation law to be provided to, or on behalf of, such person as a result of the auto accident. This exclusion does not apply to the amounts of coverage mandated by any uninsured motorists insurance law or financial 30

36 responsibility law applicable to the auto accident, but does apply to coverages which are not mandated by such laws. 3. Punitive damages are not covered. 4. We do not cover the United States of America or any of its agencies as an insured, a third party beneficiary or otherwise. If an applicable uninsured motorists insurance law or financial responsibility law renders any exclusion provision of this policy unenforceable, we will provide only the minimum limits required by such law. However, if other insurance covers our insured s claim and provides those required minimum limits, the exclusion provision of this policy are fully enforceable. LIMITS OF LIABILITY PART III The limit of liability shown in the declarations page for each person for Uninsured Motorists Coverage is our maximum limit of liability for all damages for bodily injury sustained by any one person in any one auto accident. The limit of liability shown for each person for bodily injury also includes all claims which are derivative of the bodily injury to that person, including but not limited to damages for care, loss of consortium, loss of services and negligent entrustment, and including imputed negligence, agency, conspiracy, the family purpose doctrine, joint enterprise or venture, employment relationship, partnership, concert of action, or negligent hiring or supervision or retention. This is the most we will pay regardless of the number of: 1. insureds; 2. claims made; or 3. autos involved in the auto accident. The limit of liability shown in the declarations page for each auto accident for Uninsured Motorists Coverage is our maximum limit of liability for all 31

37 damages arising out of and due to bodily injury to any number of persons, resulting from any one auto accident. The limit of liability shown for each auto accident for bodily injury also includes all claims which are derivative of the bodily injury to any person, including but not limited to damages for care, loss of consortium, loss of services and negligent entrustment, and including imputed negligence, agency, conspiracy, the family purpose doctrine, joint enterprise or venture, employment relationship, partnership, concert of action, or negligent hiring or supervision or retention. This is the most we will pay regardless of the number of: 1. insureds; 2. claims made; or 3. autos involved in the auto accident. OTHER INSURANCE PART III If there is other applicable similar insurance, we will pay only our share of the loss. Our share is the proportion that our limit of liability bears to the total of all applicable limits. However, any insurance we provide with respect to a vehicle you do not own shall be excess over any other collectable insurance. Except as otherwise required by Missouri law, this Uninsured Motorists Coverage shall not be stacked on top of any other Uninsured Motorists Coverage you have with the Automobile Club Inter-Insurance Exchange and/or with the Auto Club Family Insurance Company, regardless of the number of vehicles you have covered under your policies with the Automobile Club Inter-Insurance Exchange and/or the Auto Club Family Insurance Company. 32

38 PART IV UNDERINSURED MOTORISTS COVERAGE COVERAGE F UNDERINSURED MOTORISTS COVERAGE BODILY INJURY INSURING AGREEMENT PART IV Subject to the Exclusions, we will pay damages which an insured is legally entitled to recover from the owner or operator of an underinsured motor vehicle to the extent that the owner or operator is liable because of bodily injury: 1. sustained by an insured; and 2. caused by an auto accident. The owner s or operator s liability for these damages must arise out of the ownership, maintenance or use of the underinsured motor vehicle. This coverage shall be considered as coverage in excess of that of the underinsured motor vehicle causing the bodily injury. However, we will pay under this coverage only after the limits of liability under any applicable bodily injury liability bonds or policies have been exhausted by payment of judgments or settlements. For the purposes of this coverage, in determining the total amount of damages to which an insured is legally entitled to recover from the owner or operator of an underinsured motor vehicle, any amount paid for the insured s damages by or on behalf of the persons or organizations who may be legally responsible shall be deducted. The amount to be deducted includes all sums paid under Part I and Part II of this policy. PERSONS INSURED PART IV Under PART IV, insured means you and any household member. 33

39 ADDITIONAL DEFINITIONS PART IV Underinsured motor vehicle means a land motor vehicle or trailer of any type to which a bodily injury liability bond or policy applies at the time of the auto accident but its limit for bodily injury is less than the amount needed to compensate a covered person for actual damages for bodily injury. However, underinsured motor vehicle does not include any vehicle or equipment: 1. Owned by or furnished or available for the regular use of you or any household member. 2 Owned by any governmental unit or agency. 3. Operated on rails or crawler treads. 4. Designed mainly for use off public roads while not upon public roads. 5. While located for use as a residence or premises. 6. Owned or operated by a person qualifying as a self-insurer under any applicable motor vehicle law. 7. To which a bodily injury liability bond or policy apples at the time of the accident but the bonding or insuring company is or becomes insolvent. 8. That is an all terrain vehicle or golf cart. WHAT IS NOT COVERED EXCLUSIONS PART IV We do not provide Underinsured Motorists Coverage for bodily injury sustained by any person: 1. While occupying, or when struck by, any motor vehicle owned by, or leased to, you or any household member which is not insured 34

40 for this coverage under this policy. This includes a trailer of any type used with that vehicle. 2. While occupying your insured auto when it is being used to carry or deliver persons, property or food for a fee or compensation (including wages, salary, tip or separate payment). This exclusion does not apply to a share-the-expense car pool or charitable delivery. 3. Using a vehicle without the permission of the owner. 4. For punitive damages. 5. If benefits are: a. payable to, or on behalf of, such person under any compensation law, as a result of the auto accident, or b. required by any compensation law to be provided to, or on behalf of, such person as a result of the auto accident. This exclusion does not apply to the amounts of coverage mandated by any underinsured motorists insurance law or financial responsibility law applicable to the auto accident, but does apply to coverages which are not mandated by such laws. This coverage shall not apply to vehicles owned by you and not insured under this policy. If an applicable underinsured motorists insurance law or financial responsibility law renders any exclusion provision of this policy unenforceable, we will provide only the minimum limits required by such law. However, if other insurance covers our insured s claim and provides those required minimum limits, the exclusion provision of this policy are fully enforceable. 35

41 LIMITS OF LIABILITY PART IV 1. Subject to the provisions set forth in paragraphs (2) and (3) below, the limit of liability shown in the declarations page for each person for Underinsured Motorists Coverage is our maximum limit of liability for all damages arising out of and due to bodily injury to any one person, in any one auto accident. The limit of liability shown for each person for bodily injury also includes all claims which are derivative of the bodily injury to that person, including but not limited to damages for care, loss of consortium, loss of services and negligent entrustment, and including imputed negligence, agency, conspiracy, the family purpose doctrine, joint enterprise or venture, employment relationship, partnership, concert of action, or negligent hiring or supervision or retention. This is the most we will pay regardless of the number of: a. insureds; b. persons injured; c. claims made or suits brought; d. autos shown or premiums charged in the declarations page; e. autos involved in the occurrence; or f. autos insured by an insured under any Automobile Club Inter-Insurance Exchange policies and/or Auto Club Family Insurance Company policies. Subject to the provisions set forth in paragraphs (2) and (3) below and subject to this limit for each person, the limit of liability shown in the declarations page for each auto accident for Underinsured Motorists Coverage is our maximum limit of liability for all damages arising out of and due to bodily injury to any number of persons, resulting from any one auto accident. The limit of liability shown for each auto accident for bodily injury also includes all claims which are derivative of the bodily injury to any person, including but not limited to damages for care, loss of consortium, loss of services and negligent entrustment, and 36

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